thanks for reminding me of that

Thanks for clarifying. In that case would you advise that I write to the SLC and ask them to inform LINK FINANCIAL that the debt is statute barred. (I am fairly confident now having read all of CAG's advice that it is). Or do you think I should just leave them to it.

...just wondering if a Debt Collection Agency concedes that a debt is statute barred and no action will be taken what exactly does this mean? Is the debt completely cancelled? Does the debt still exist even though the DCA are unable to act.? Will it result in bad credit listing? Also as regards my particular case in which the Glasgow based Student Loan Company sold 2 student loans from 1990 and 1995 on to Link Financial what is the point of my contacting the SLC? Is it to prove to Link Financial that they purchased a dud debt..? Fanx Folks!

Thanks cerberusalert. Have been sifting through some of the letters sent by Link Financial. One states: "Your personal data was placed with our investigations Dept recently as we have been unable to establish contact with you. Our agent has made enquiries in your area as to your current wherabouts and one or more sources have confirmed that you are still resident at the above property" Where do these guys get off!?!?!

Carol - your story is very encouraging - thanks for sharing your experience - I shall keep fighting the good fight! Can I ask - when you sent your letters off did you have a name or a department? I have fired off 5 of the same letters. (3 to Wales and 2 to London). I did send them all special delivery but because I don't have a name or dept they may get passed from pillar to post! Yes this site and its team have been an absolute life line and answer to prayer!

: ( What an idiot! I was so eager to take action yesterday that I misread yr post and have sent an SAR (with £10 postal order) to LINK FINANCIAL instead of the STUDENT LOAN COMPANY

Thank You so much or this guidance and advice. Would your advice be to send a SAR request along with the statute barred template letter...? I am a little confused as to who I seek SAR from - do I request it directly from the DCA or do I deal with a separate body

How I wish I had come across this advice earlier. I am being harrassed by LINK via telephone and letters. I have 2 student loans pre-dating 1998. I have been dogged by illness since then and have largely been unemployed. I have certainly never earned above the agreed deferment threshold. I have never entered into any payment plan with SLC or any of the subsequent companies that took over the debt - THESIS is ringing a bell. However some months back I did finally send a letter to LINK in which I pretty much acknowledged the debt. If they have kept a record of this does that mean I have just undone the 'statute barred' clause which I never knew existed? I am hoping and praying that the letter got lost in the system and I am going to send the statute barred template letter to the addresses kindly posted in the forum. Your post and the others are greatly appreciated as this whole business is very stressful. It beggers belief that the agreement I entered into with our Government is now in the hands of a bullying loan shark.